David is an author, entrepreneur, public speaker and marketing expert who is known for combining his creativity and domain knowledge, He has invented some of the most successful life insurance, annuity and income planning innovations of the past 30+ years. David's impact accounts for more than $150 billion in total assets gathered.In 1987, David developed E.F. Hutton Life's Alternative Plan, the first universal life "private pension."  His innovation became a gold standard for life insurance sales that continues to this day.In 1995, David was instrumental in creating the marketing tools to support Keyport Life's rollout of the first fixed index annuity. In 2000, he developed the first web application for FIA contract renewal. In 2005, David created the first web-based retirement income distribution solution. A leading figure in the field of retirement income planning, David developed the revolutionary Constrained Investor strategy for retirement income planning, He is the creative force behind the popular, Income for Life Model®, as well as Women & Income®, the first retirement income solution developed expressly for “boomer” women. ​David writes frequently about retirement income planning, marketing and insurance. His articles have appeared in numerous publications including Advisor Perspectives, Financial Planning, Research Magazine, Retirement Income Journal, Think Advisor, Financial Advisor Magazine, Insurance News Net, and Retirement Investor. He is the author of two books, Lucky Retiree and Constrained Investor: How to Avoid a Devastated Retirement. David has been hailed as a "marketing guru." His work on behalf of numerous companies, including Jackson-National, AIG, ING, Aviva, Phoenix Wealth Management, Great American and Transamerica resulted in $billions in sales increases. ​An accomplished public speaker, David has delivered dozens of keynote addresses for organizations including the Financial Planning Association, Retirement Income Industry Association, Pershing, Bank Insurance and Securities Association, National Association for Fixed Annuities, LIMRA, Strategic Retirement Institute, and the Insured Retirement Institute.​To enable human advisors to stand up to new forms of competition from emerging AI advisors. David is building the integration of artificial intelligence "Digital Humans" into the online user experiences projected by financial advisors and insurance professionals. He has developed two solutions for this challenge:  www.aiannuityassistant.com and www.ailifeinsuranceasistant.com.